Current Rates

 Loans


Fixed Rate Mortgage*

Effective 07/16/2018

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Product 0 Points
  Interest Rate APR Payment / $1000
30 Year 4.625% 4.714% $ 5.14
20 Year 4.500% 4.620% $ 6.33
15 Year 4.125% 4.273% $ 7.46
10 Year 4.125% 4.338% $10.18
       

PLEASE CALL FOR RATES ON LOANS WITH 1 POINT, 2 POINTS OR OUR NO POINTS NO CLOSING COSTS PROGRAM

*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV - The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 40% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.


Adjustable Rate Mortgage*

Effective 07/16/2018

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Product 0 Points 1 Point/2 Points/NPNCC
  Interest Rate APR Payment / $1000 Interest Rate APR Payment / $1000
             
5/1 ARM 3.740% 3.951% $4.63 Call for options    
7/1 ARM 3.990% 4.202% $4.77 Call for options    

*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. Adjustable rate programs are based on a 30 year term. The rate may increase after the initial period. The fully indexed rate is equal to a margin plus the current one-year T-Bill. Payment amounts on the above product does not include taxes and insurance. Your payments may be greater. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment.. Subject to credit approval.


Fixed Rate Construction*

Effective 07/16/2018

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Product 0 Points 1 Point/2 Points
  Interest Rate APR Payment / $1000 Interest Rate APR Payment / $1000
30 Year 5.000% 5.091% $5.37 Call for options    
20 Year 4.875% 4.997% $6.53 Call for options    
15 Year 4.500% 4.649% $7.65 Call for options    
Land Loan 7.500% 7.634% $6.99 Call for options    

*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV - The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.


Adjustable Rate Construction

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Home Improvement Loan

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Jumbo Loans

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Home Equity*

Effective 07/16/2018

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Product Interest Rate APR Payment/$1,000
Home Equity Line 3.24% for 24 months then Prime -.50% for life of the loan* 4.000%* $3.33
*Wall Street Journal Prime Rate 5.000%    
       
5 YR Home Equity Loan 4.240% 4.240% $18.53
10 YR Home Equity Loan 4.990% 4.990% $10.60
15 YR Home Equity Loan 5.490% 5.490% $8.17
20 YR Home Equity Loan 5.740% 5.740% $7.02

*Some additional facts: Available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You may borrow up to 100% combined loan to value; Loans exceeding 80% LTV may have higher rates and terms and require PMI. Property insurance required. After the introductory rate period, the Annual Percentage Rate (APR) will adjust monthly based on the highest Wall Street Journal published Prime Rate on the last business day of each month minus .50%. Rate will never exceed 18% APR or drop below 4% APR. If the line is closed within 3 years, the Bank's closing costs must be repaid. Interest may be tax-deductible. Ask your tax advisor.


Auto Loan*

Please call for rates.

*Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000 - loan to value amount is 95% for new and used cars. Other rates apply depending on applicant's credit score.


Personal Loan*

Please call for rates.

*Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000. $5,000 Maximum for individual borrowers. $10,000 maximum for two borrowers.


 

Deposit Accounts


Certificates of Deposit (CDs)*

Effective 05/21/2018

Product Minimum Opening Deposit APY Interest
Rate
1-Year CD/IRA $500.00 0.60% 0.60%
2-Year CD/IRA $500.00 0.70% 0.70%
5-Year CD/IRA $500.00 1.50% 1.49%
18-Month CD/IRA $500.00 1.90% 1.88%

*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. A penalty may be imposed for early withdrawal from a Certificate of Deposit (CD) account. Withdrawals or fees may reduce the earnings on these accounts. The minimum balance to earn interest is $0.01.


Savings Accounts*

Effective 05/21/2018

Product Minimum Opening Deposit Interest Tiers APY Interest
Rate
LifeDesign Statement Savings $10.00 $0.01 and above 0.10% 0.10%
CareFree Companion Savings** $25.00 $0.01 - $5,000.00 0.35% 0.35%
SecureCare Companion Savings** $25.00 $0.01 - $5,000.00 0.35% 0.35%
CareMore Companion Savings** $25.00 $0.01 - $10,000.00 0.40% 0.40%
CompleteCare Companion Savings** $25.00 $0.01 and above 0.50% 0.50%

For a limited time, new clients who open any one of our four CareChecking accounts can take advantage of our premium interest Companion Savings accounts and get a savings rate bump of up to 2.00% APY*  Talk with one of our branch representatives today for more details!


*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. Fees may reduce the earnings on these accounts. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties. The minimum balance to earn interest is $0.01.  **Rates shown are blended rates. Additional tiers exist at varying rates. To qualify for the Care Companion Savings Accounts you must have an active, corresponding Care Checking Account.


Checking Accounts

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Money Market

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IRA

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